The Best Visa Credit Cards

Q: What's the difference between Visa, Visa Infinite, and Visa Infinite Privilege?

Visa products come in three main tiers in Canada. Standard Visa covers most no-fee or entry-level cards with basic purchase protection. Visa Infinite is the mid-premium tier — it requires a personal income of $60,000 (or $100,000 household) and unlocks comprehensive travel insurance, the Visa Infinite Dining program, and the Hotel Collection. The RBC Avion Visa Infinite and the CIBC Dividend Visa Infinite are popular examples. Visa Infinite Privilege sits at the top, requiring $200,000 household income and offering 24/7 concierge, elevated earning rates, and enhanced travel benefits — the TD Aeroplan Visa Infinite Privilege and the BMO eclipse Visa Infinite Privilege are the leading Canadian options.

Q: Why doesn't Costco Canada accept Visa credit cards?

Costco Canada signed an exclusive payment partnership with Mastercard in 2015, which means Visa credit cards are not accepted in-store or at Costco gas bars — only Mastercard, debit, and cash. Costco.ca, however, does accept Visa online. If you frequently shop at Costco and prefer the Visa ecosystem, the workaround is to keep one Mastercard specifically for Costco runs (the National Bank World Elite Mastercard and the CIBC Costco Mastercard are popular picks) and use your Visa Infinite for everything else. Note: the United States and several other countries have different exclusivity contracts, so a Canadian Visa works fine at Costco when traveling abroad.

Q: How do I use the Visa Infinite Concierge service?

Visa Infinite Privilege cardholders get 24/7 access to a complimentary concierge reachable by phone or via the Visa Infinite app. The concierge can book hard-to-get restaurant reservations, source last-minute event tickets, plan custom travel itineraries, send gifts, and even research hotels or activities for you. Real-world uses we've seen members get value from: securing tables at Michelin-starred restaurants, sourcing sold-out concert seats, and arranging airport transfers in cities where Uber doesn't operate. The service itself is free — you only pay the actual cost of what's booked. Both the TD Aeroplan Visa Infinite Privilege and the BMO eclipse Visa Infinite Privilege include this benefit.

The Best Visa Credit Cards – May 2026

These credit cards are among the best Visa credit cards in Canada.

Here is a table summarizing the different offers. For more details, read on or click on the name of a card.

Scotia Momentum® Visa Infinite +* Card

The Scotia Momentum^® VISA Infinite +* card is recognized, year after year, as one of the best cash back credit cards in Canada. Milesopedia has even named it best cash back credit card in 2026.

Currently, thanks to this promotional offer, the Scotia Momentum Visa Infinite+ Card has no annual fee for the first year, including on additional cards. And you can get 15% cash back on all your purchases for the first three months (up to $2,000 in total purchases).

It also includes a new convenient benefit for travellers: enjoy 10 GB of free GigSky global mobile data for 15 days, as well as access to Travel Essentials to use essential apps like messaging, maps, and email while on the go. Cardholders also continue to receive 1 GB of free GigSky mobile data per year, plus a 20% discount on future GigSky purchases.

With the Scotia Momentum^® VISA Infinite+ card, you get:

4% cash back on grocery purchases and recurring payments
2% cash back on gas purchases, public transit, carpooling, and food delivery
1% cash back on all other purchases

For example, if you spend $1,000 per month on grocery purchases and/or recurring payments, you will get $40 cash back per month, or $480 per year, with this card, for this purchase category. And that’s not counting the other purchases you make with this card and the benefits it offers (including its excellent insurance coverage).

If you are a renter, you could, for example, use the Scotia Momentum Visa Infinite Card on the Chexy site to pay your rent and get 4% cash back.

Also note that you can use your cash back at any time (the cash back balance must be at least $25).

RBC Avion Visa Infinite Card

With this exceptional limited-time welcome offer, you can earn up to 70,000 Avion points as a welcome bonus with the RBC Avion Visa Infinite Card!

Receive 35,000 points upon approval
20,000 additional points when you spend $5,000 within the first six months of account opening
15,000 points on your account anniversary

You can use your Avion Rewards points to book flights with over 500 airlines or transfer them to select partner loyalty programs, such as:

American Airlines AAdvantage
The British Airways Club (and Qatar Airways Privilege Club)
Cathay Pacific Asia Miles
WestJet Rewards

You can also maximize the value of your points using the Air Travel Redemption Schedule, which offers fixed pricing year-round based on the destination and flight type.

Depending on your goals, this offer can represent strong value, particularly for transfers to partner programs or for using the Air Travel Redemption Schedule.

With the RBC Avion Visa Infinite Card, you earn 1.25 Avion points per dollar on eligible travel purchases¹² and 1 point per dollar on all other eligible purchases².

The card also includes several insurance coverages⁷, including trip cancellation and interruption insurance, out-of-province/country emergency medical insurance, rental vehicle collision/loss damage insurance, and mobile device insurance.

Scotiabank Passport™ Visa Infinite +* Card

With this welcome offer for the Scotiabank Visa Infinite ^+* Passport^MC Card, you get up to 60,000 Scene+ points as a welcome bonus (a value of $600):

40,000 points after $2,000 in purchases within the first three months
10,000 points after $10,000 in purchases within the first six months
10,000 points after $40,000 in purchases in the first year

Then, each year, if you make at least $40,000 in purchases on the card, you’ll earn an annual bonus of at least 10,000 points, which represents a $100 value.

With the Scotiabank Visa Infinite +* Passport^MD Card, you earn 3 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà par IGA, Voilà by Safeway, Chalo! grocery stores. FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.

You also earn 2 points per dollar spent, including on foreign purchases, in the following categories:

Grocery shopping
Restaurants
Entertainment centers
Transit

The Scotiabank Visa Infinite +* Passport^MD Card is an excellent Visa credit card for these types of purchases.

These points can be used for any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusive packages, and even Airbnb). You can also redeem your points as cash back with Scene+, for example, at your grocery store checkout at the same rate of 1,000 points = $10.

The Scotiabank Visa Infinite +* Passport^MD Card also offers:

No fees for foreign currency transactions
6 access to VIP airport lounges
Excellent insurance for your travels and purchases
Concierge service
Travel with confidence with 10 GB of free GigSky global mobile data for 15 days, plus access to GigSky Travel Essentials for essential apps on the go.
Cardholders also receive a free 1 GB/15-day GigSky global mobile data package annually, plus a 20% discount on future GigSky purchases.

We have named this credit card the Best Credit Card with No Foreign Transaction Fees in 2024, 2025, and 2026.

CIBC Aventura® Gold Visa* Card

If you do not meet the income requirements of CIBC Aventura^® Visa Infinite* Card, you can apply for CIBC Aventura^® Gold Visa* Card. The minimum annual income required for this card is $15,000 (household).

CIBC has a digital offer with which you can earn up to 45,000 Aventura points :

15,000 Aventura Points when you make your first purchase^†
30,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods^†

In addition, you can benefit from a rebate on the first year’s annual fee for the primary card holder ($139 value) and up to three authorized users ($50 each).

With this CIBC Aventura Credit Card, you get:

2 points for every $1 spent on travel purchased through the CIBC Rewards Centre^†
1.5 points for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores^†
1 point for every $1 spent on all other purchases^†

The CIBC Aventura^® Gold Visa* Card also offers:

Access to airport lounges: one Visa Airport Companion Program membership and 4 free visits per year
Reimbursement of NEXUS membership fees ( $160 value)

CIBC Dividend® Visa Infinite* Card

The CIBC Dividend^® Visa Infinite* Card is one of the best Visa credit cards with cash back in Canada.

Right now, with this welcome offer, get a 10% welcome bonus in the form of up to $250 cash back (period covered by your first 4 statements) and a rebate on your first year’s annual fees^†!

Plus, receive $50 cash back when you set up a pre-authorized payment within the first 4 months.

With this CIBC cash back credit card, you earn:

4% cash back on eligible gas, electric vehicle charging, and grocery purchases^†
2% cash back on eligible transportation and dining purchases and on eligible recurring bill payments^†
1% cash back on all other purchases^†

For example, if you spend $1,000 per month on groceries and/or gas and/or electric vehicle charging, you’ll earn $40 cash back per month or $480 cash back per year with this card for this category of purchases!

And that’s not counting the other purchases you’ll make with this card and the advantages it offers (particularly in terms of insurance).

And this CIBC Cash Back Credit Card offers many insurance coverages:

Auto Rental Collision/Loss Damage Insurance
$500,000 Common Carrier Accident Insurance
Out-of-Province Emergency Travel Medical Insurance
Purchase Security and Extended Protection Insurance

BMO eclipse Visa Infinite* Card

By subscribing to our offer for the BMO eclipse Visa Infinite* Card, you can receive an exclusive welcome offer of up to 80,000 BMO Rewards points, as well as a waiver of the $120 annual fee for the first year.*

In addition, you will benefit from a $50 annual lifestyle credit. You also have a monthly statement credit for streaming services for the first year.*

With the BMO eclipse Visa Infinite* Card, you can earn 5 BMO Rewards points per dollar spent on:

groceries*
food delivery or takeout*
ridesharing*
public transit*
gas*

And 1 BMO Rewards point per dollar spent everywhere else. Plus, if you add a supplementary card to your account, you’ll earn 10% more points*.

You can use BMO Rewards points for travel (flights, hotels, car rentals, packages, etc.) or for rewards and gift cards on the BMO Rewards platform.

Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card*.

BMO eclipse Visa Infinite Privilege* Card

The BMO eclipse Visa Infinite Privilege* Card is a premium metal card! By applying for this card, you can earn up to 200,000 BMO Rewards points:

80,000 points after $6,000 in purchases within the first 110 days of account opening
40,000 points after $40,000 in purchases within the first 180 days of account opening
80,000 points after $75,000 in purchases within the first 365 days of account opening

Additionally, you benefit from a 0% welcome interest rate on balance transfers for 12 months, as well as a 2% balance transfer fee.

Plus, you’ll receivea $200 anniversary credit to use as you wish!

As well as a membership to the Visa Airport Companion program with six complimentary visits per year to airport lounges.

With this Card, you can earn 5 BMO Rewards points per dollar spent on:

Groceries
Gas
Drugstores
Travel
restaurants and bars
Food delivery

And 1 BMO Rewards point per dollar spent everywhere else.

You can use BMO Rewards points for all travel purchases made through the agency or website of your choice (plane tickets, hotels, rental cars, all-inclusive packages, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.

Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card.

TD® Aeroplan® Visa Infinite Privilege* Credit Card

With TD^® Aeroplan^® Visa Infinite Privilege* Credit Card, you can earn up to 85,000 Aeroplan points^†:

20,000 Aeroplan points when you make your first purchase with your new card^†
35,000 additional Aeroplan points when you spend $12,000 within 180 days of account opening^†
Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening^†
Apply for the NEXUS program membership and once every 48 months get an application fee rebate (up to $100 CAD)^†
Access to Air Canada Maple Leaf lounges^†
6 annual visits to airport lounge members of the Visa Airport Companion^† Program hosted by Dragonpass International Ltd.
Up to eight passengers travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight^†

It’s the best TD credit card for Air Canada frequent flyers.

With the TD^® Aeroplan^® Visa Infinite Privilege* Credit Card, you earn 1.5 points^† per eligible dollar spent on:

Grocery stores and restaurants
Gas station, including fuel and EV charging
Travel and public transit

And 2 points^† per dollar for Air Canada, including Air Canada Vacations. Everywhere else, you’ll get 1.25 points^† per dollar.

Frequent Asked Questions about credit cards

Here are some frequently asked questions in the milesopedia community about credit cards in Canada.

What's the best credit card in Canada?

There are over 200 credit cards in Canada. There is no “one best credit card” in Canada.

Several credit cards can match your needs:

Which is the best American Express credit card in Canada?

There are more than 30 American Express credit cards in Canada. Check out our best American Express Credit Cards page.

What's the best Mastercard credit card in Canada?

There are over 90 Mastercard credit cards in Canada. Check out our Best Mastercard Credit Cards page.

What's the best Visa credit card in Canada?

There are over 80 Visa credit cards in Canada. Check out our Best Visa Credit Cards page.

What’s the difference between Visa, Visa Infinite, and Visa Infinite Privilege?

Visa products come in three main tiers in Canada. Standard Visa covers most no-fee or entry-level cards with basic purchase protection. Visa Infinite is the mid-premium tier — it requires a personal income of $60,000 (or $100,000 household) and unlocks comprehensive travel insurance, the Visa Infinite Dining program, and the Hotel Collection. The RBC Avion Visa Infinite and the CIBC Dividend Visa Infinite are popular examples. Visa Infinite Privilege sits at the top, requiring $200,000 household income and offering 24/7 concierge, elevated earning rates, and enhanced travel benefits — the TD Aeroplan Visa Infinite Privilege and the BMO eclipse Visa Infinite Privilege are the leading Canadian options.

Why doesn’t Costco Canada accept Visa credit cards?

Costco Canada signed an exclusive payment partnership with Mastercard in 2015, which means Visa credit cards are not accepted in-store or at Costco gas bars — only Mastercard, debit, and cash. Costco.ca, however, does accept Visa online. If you frequently shop at Costco and prefer the Visa ecosystem, the workaround is to keep one Mastercard specifically for Costco runs (the National Bank World Elite Mastercard and the CIBC Costco Mastercard are popular picks) and use your Visa Infinite for everything else. Note: the United States and several other countries have different exclusivity contracts, so a Canadian Visa works fine at Costco when traveling abroad.

How do I use the Visa Infinite Concierge service?

Visa Infinite Privilege cardholders get 24/7 access to a complimentary concierge reachable by phone or via the Visa Infinite app. The concierge can book hard-to-get restaurant reservations, source last-minute event tickets, plan custom travel itineraries, send gifts, and even research hotels or activities for you. Real-world uses we’ve seen members get value from: securing tables at Michelin-starred restaurants, sourcing sold-out concert seats, and arranging airport transfers in cities where Uber doesn’t operate. The service itself is free — you only pay the actual cost of what’s booked. Both the TD Aeroplan Visa Infinite Privilege and the BMO eclipse Visa Infinite Privilege include this benefit.